if you look at the traditional banks, the smaller, the regional banks, pncs, that pretty much follow traditional banking models, their shares are performing a lot better than the high-risk institutions. q. what about too big to fail?>y priority in dodd dodd-frank, and we were very involved and worked very hard to give the f.d.i.c. the authority to put all institution not just insured banks -- but all financial institutions into a bankruptcy-like-- a government-controlled bankruptcy process basically to make sure taxpayers never have to be on the hook again. i think there, again, we were successful in the tools. again, it's how the regulators use the tools. whether they will have the courage to use the tools. that's a separate question. but if it was left up to my former agency i think they absolutely would use them. >> rose: you just went to boston-- or to massachusetts to endorse elizabeth warren. >> yes. >> rose: who at one time thought might head up the consumer protection agency. that was not to be. >> right. >> rose: she wasn't even nominated by the president. >> right, right. >